At Credific Finance, we are a team of trusted mortgage brokers dedicated to helping Australians achieve their property and financial goals. Based in Sydney, we specialise in first home buyer loans, investment property finance, SMSF loans, construction loans, and refinancing.With a client-first approach, we provide personalised guidance, access to over 40 lenders, and tailored loan solutions designed to simplify the borrowing process. Our founders, Udit and Niti Kothari, combine industry expertise with a commitment to exceptional customer service, ensuring a smooth, transparent, and stress-free experience for every client.We have proudly assisted 1,000+ happy clients, helping them secure the right home loans, maximise government schemes, and build wealth through property investment.
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Udit Kothari is the Co-Founder of Credific Finance, where he leads a team committed to delivering strategic and personalised lending solutions that align with clients’ financial objectives. With extensive experience across real estate and mortgage broking, Udit is dedicated to building enduring client relationships founded on integrity, transparency, and measurable results. His professional approach extends beyond providing sound financial advice — he is recognised for his proactive service, attention to detail, and commitment to delivering exceptional client outcomes. Outside of his professional endeavours, Udit enjoys playing badminton, listening to music, and spending time by the beach.
Niti Kothari is a Director at Credific Finance, bringing over 11 years of professional experience in finance and merketing. Holding a Diploma in Finance & Mortgage Broking and an MBA from Macquarie University, Niti combines strong technical expertise with a genuine passion for helping clients achieve their property goals. She thrives on tackling new challenges and enjoys working with a wide range of clients — especially first-home buyers and families upgrading to their next home. Niti’s blend of knowledge, care, and approachability makes her an invaluable part of the Credific Finance team. Outside of work, she loves baking and spending quality time with her kids.
